X FINANCIAL-ADR (XYF)       3.9  +0.07 (+1.83%)

3.9  +0.07 (+1.83%)

US98372W2026 - ADR


Fundamental Rating

5

Taking everything into account, XYF scores 5 out of 10 in our fundamental rating. XYF was compared to 56 industry peers in the Consumer Finance industry. Both the profitability and the financial health of XYF get a neutral evaluation. Nothing too spectacular is happening here. XYF is valued quite cheap, while showing a decent growth score. This is a good combination!

Note: XYF has only limited data available, so a full analysis was not possible, which makes the total rating unfair.




Profitability

Profitability Rating

4

XYF has a Return On Assets of 8.74%. This is amongst the best returns in the industry. The industry average is 3.63%. XYF outperforms 83% of its industry peers.
XYF's Profit Margin of 21.00% is in line with the rest of the industry. The industry average Profit Margin is 21.00%.

XYF's Return On Equity of 16.85% is worse than the rest of the industry. The industry average Return On Equity is 20.40%.
XYF has a quite weak Piotroski-F score of 3.00. This indicates issues in the health and profitability of XYF.
VS Industry

ROA (8.74%) VS Industry: 83% outperformed.

0.29
1,136.34

ROE (16.85%) VS Industry: 30% outperformed.

0.77
1,345.78

Profit Margin (21%) VS Industry: 50% outperformed.

0.53
42.22

Valuation

Valuation Rating

8

The Price/Earnings Ratio is 1.75, which indicates a rather cheap valuation of XYF.
XYF's Price/Earning Ratio is rather cheap when compared to the industry average which is at 6.07. XYF is also cheaper than 97% of the companies in the same industry.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

When comparing the current price to the book value of XYF, it is valued rather cheaply. It is trading at 0.29 times its book value.
Compared to an average industry price book ratio of 1.10, XYF is valued rather cheaply. On top of this, XYF is cheaper than 98% of the companies listed in the same industry.
Compared to an average industry Enterprise Value to EBITDA ratio of 12.07, XYF is valued rather cheaply
VS Industry

Price/Earnings (1.75) VS Industry: 97% outperformed.

69.67
0.77

Price/Book (0.29) VS Industry: 98% outperformed.

10.31
0.17

Enterprise Value/ EBITDA (2.33) VS Industry: 77% outperformed.

48.97
0.09

Growth

Growth Rating

5

XYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 285.86%, which is quite impressive.
The Revenue has grown by 12.38% in the past year. This is quite good.

The Revenue has been growing by 73.56% on average over the past 5 years. This is a very strong growth!
XYF shows a decrease in Earnings Per Share. Measured over the last 5 years, the EPS has been decreasing by -5.56% yearly.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPSN/A -5.56% 285.86% N/A N/A N/A N/A
Revenue73.56% 0.8% 12.38% N/A N/A N/A N/A

Health

Health Rating

4

When comparing the Debt to Equity Ratio of 0.53 to an average industry Debt to Equity of 1.28, XYF is way less dependent on financing that its industry peers.
XYF is in better financial health than average in its industry. Its Altman-Z score is much better than the industry average of 0.91.
XYF has a Current Ratio of 1.20. This is a normal value and indicates that XYF is financially healthy and should not expect problems in meeting its short term obligations.
A Quick Ratio of 1.20 indicates that XYF should not have too much problems paying its short term obligations.

Compared to an average industry Current Ratio of 1.72, XYF is worse placed to pay its short term obligations than its industry peers.
Compared to an average industry Quick Ratio of 1.71, XYF is worse placed to pay its short term obligations than its industry peers.
XYF has an Altman-Z score of 1.32. This is a bad value and indicates that XYF is not financially healthy and even has some risk of bankruptcy.
The Piotroski-F score of XYF is 3.00. This is a low score and indicates issues in the health and profitability of XYF.
VS Industry

Debt/Equity (0.53) VS Industry: 66% outperformed.

21.53
0.00

Quick Ratio (1.2) VS Industry: 32% outperformed.

0.05
17.97

Current Ratio (1.2) VS Industry: 32% outperformed.

0.05
17.97

Altman-Z (1.32) VS Industry: 62% outperformed.

-5.40
7.56

Dividend

Dividend Rating

0

No dividends for XYF!.

X FINANCIAL-ADR3.9

NYSE:XYF (1/27/2023, 7:04:00 PM)+0.07 (+1.83%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Diversified Financials
GICS Industry Consumer Finance
Earnings (Last) N/A N/A Earnings (Next) 03-29 2023-03-29
Inst Owners 0.8% Inst Owner Change 0%
Ins Owners N/A Ins Owner Change N/A
Market Cap 189.56M Analysts 45
Price Target N/A

Dividend
Dividend Yield N/A Dividend Growth N/A
DP N/A Ex-Date N/A

Surprises & Revisions
EPS beat(2) N/A Avg EPS beat(2) N/A
Min EPS beat(2) N/A Max EPS beat(2) N/A
EPS beat(4) N/A Avg EPS beat(4) N/A
Min EPS beat(4) N/A Max EPS beat(4) N/A
Revenue beat(2) N/A Avg Revenue beat(2) N/A
Min Revenue beat(2) N/A Max Revenue beat(2) N/A
Revenue beat(4) N/A Avg Revenue beat(4) N/A
Min Revenue beat(4) N/A Max Revenue beat(4) N/A
PT rev (1m) N/A EPS NQ rev (1m) N/A
EPS NY rev (1m) N/A Revenue NQ rev (1m) N/A
Revenue NY rev (1m) N/A

Valuation
Industry RankSector Rank
PE 1.75
Fwd PE N/A
P/S 0.37
P/FCF N/A
P/OCF N/A
P/B 0.29
P/tB 0.3
EV/EBITDA 2.33
EPS(TTM) 2.23 EY 57.18%
EPS(NY) N/A Fwd EY N/A
FCF(TTM) N/A FCFY N/A
OCF(TTM) N/A OCFY N/A
SpS 10.62 BVpS 13.23
TBVpS 13.12 PEG (NY) N/A
PEG (5Y) N/A

Profitability
Industry RankSector Rank
ROA 8.74%
ROE 16.85%
ROIC 11.84%
ROICexc 13.12%
ROICexgc 13.24%
OM 35.14%
PM 21%
GM 46.66%
ROICexgc(3y) N/A ROICexcg growth 3Y -24.77%
ROICexcg growth 5Y N/A ROICexc(3y) N/A
ROICexc growth 3Y -21.03% ROICexc growth 5Y N/A
OM growth 3Y 0.13% OM growth 5Y N/A
PM growth 3Y -3% PM growth 5Y N/A
GM growth 3Y -11.65% GM growth 5Y N/A
F-Score 3 Asset Turnover 0.42

Health
Industry RankSector Rank
Debt/Equity 0.53
Debt/FCF N/A
Debt/EBITDA 1.88
Cap/Depr N/A
Profit Quality N/A
Current Ratio 1.2
Quick Ratio 1.2
Altman-Z 1.32
F-Score 3 WACC 3.99%
ROIC/WACC 3.32 Cap/Depr(3y) 70.01%
Cap/Depr(5y) 198.72% Profit Quality(3y) N/A
Profit Quality(5y) N/A

Growth
EPS 1Y 285.86% EPS 3Y -5.56%
EPS 5Y N/A EPS growth Q2Q -16.85%
EPS Next Y N/A EPS Next 2Y N/A
EPS Next 3Y N/A EPS Next 5Y N/A
Revenue growth 1Y 12.38% Revenue growth 3Y 0.8%
Revenue growth 5Y 73.56% Revenue growth Q2Q -11.59%
Revenue Next Year N/A Revenue Next 2Y N/A
Revenue Next 3Y N/A Revenue Next 5Y N/A
EBIT growth 1Y 108.41% EBIT growth 3Y 0.93%
EBIT growth 5Y N/A EBIT Next Year N/A
EBIT Next 3Y N/A EBIT Next 5Y N/A
FCF growth 1Y 165.23% FCF growth 3Y N/A
FCF growth 5Y 41.33% OCF growth 1Y 166.13%
OCF growth 3Y 336.52% OCF growth 5Y 40.31%

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